#USPPIJump XRP holders refer to individuals, institutions, exchanges, and entities that own XRP, the native cryptocurrency of the XRP Ledger (XRPL), associated with Ripple's payment network.
As of late January 2026, here's a summary of the latest available data on XRP holders and distribution:
Total activated accounts on the XRP Ledger: Approximately 7.56 million (this includes all accounts that have been funded/activated, many of which hold non-zero XRP balances).
Estimated unique holders: Likely in the range of several million (estimates vary from 1–4 million unique people/entities, as some wallets belong to exchanges holding funds for multiple users, and others may be inactive or multi-wallet per person).
Distribution highlights:
A large portion of wallets hold small amounts: About 45% of wallets hold between 1 and 100 XRP, and many more are in low-balance categories (e.g., under 1,000 XRP).
Smaller holders dominate in number, but large "whales" control significant supply.
Wallets holding over 1 million XRP (often called "millionaire" wallets): Around 2,016 as of recent data, with a net increase of 42 in January 2026 — a positive sign for long-term confidence despite modest price dips.
Rich list / concentration:
The top 10 addresses control roughly 18–19% of circulating supply.
Top 50 addresses hold a much larger share (often 40–50% when including major ones).
Ripple Labs controls a substantial portion through escrow (around 34 billion XRP escrowed, released gradually), though much is not in active circulation.
Centralized exchanges (e.g., Binance, others) hold large custodial amounts for users.
To rank in percentiles (approximate, based on recent community/analyst data):
Top 10%: Starts around 1,000–2,500 XRP (some reports note holders with ~1,000 XRP are close to or just below the top 10% threshold).
Top 5%: Around 8,000 XRP.
Top 1%: Around 48,000 XRP.
Top 0.01%: Millions of XRP $XRP
